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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.860%APR 6.895% | 0 pts$0 | $2,267/moP&I $2,267 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.994%APR 6.763% | 0 pts$0 | $2,268/moP&I $2,107 · MI $161 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.932%APR 5.981% | 0 pts$0 | $2,057/moP&I $2,057 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.891%APR 6.926% | 0 pts$0 | $2,274/moP&I $2,274 · MI $0 | See details |
| Investment Property FixedConforming | 7.567%APR 7.607% | 0 pts$0 | $2,432/moP&I $2,432 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.932% | 5.981% | 0 pts ($0) | $2,904/mo | $57,566 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.883% | 5.931% | 0 pts ($0) | $3,618/mo | $79,770 |
Condo 10% Down | 10% | 720 credit score | 7.085% | 7.251% | 0 pts ($0) | $2,609/mo | $91,311 |
Conventional 10% Down | 10% | 720 credit score | 6.554% | 6.708% | 0 pts ($0) | $2,471/mo | $85,090 |
Conventional 20% Down | 20% | 740 credit score | 6.860% | 6.895% | 0 pts ($0) | $2,267/mo | $70,008 |
Conventional 5% Down | 5% | 700 credit score | 6.982% | 7.459% | 0 pts ($0) | $2,726/mo | $95,109 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.304% | 7.342% | 0 pts ($0) | $2,963/mo | $101,718 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,557/mo | $86,622 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.766% | 7.140% | 0 pts ($0) | $2,722/mo | $98,156 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.891% | 6.926% | 0 pts ($0) | $2,843/mo | $96,338 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,565/mo | $84,999 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.994% | 6.763% | 0 pts ($0) | $2,542/mo | $89,165 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,617/mo | $91,633 |
FHA Streamline Refi | 0% | 640 credit score | 6.128% | 6.899% | 0 pts ($0) | $2,672/mo | $94,170 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.956% | 7.198% | 0 pts ($0) | $2,718/mo | $98,482 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,703/mo | $52,919 |
Investment Property 25% Down | 25% | 740 credit score | 7.567% | 7.607% | 0 pts ($0) | $2,280/mo | $72,542 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,328/mo | $72,769 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,512/mo | $77,026 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.369% | 7.144% | 0 pts ($0) | $2,645/mo | $93,949 |
Second Home 10% Down | 10% | 720 credit score | 6.010% | 6.583% | 0 pts ($0) | $2,334/mo | $78,728 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,273/mo | $70,258 |
VA 0% Down | 0% | 700 credit score | 5.991% | 6.233% | 0 pts ($0) | $2,643/mo | $87,140 |
VA Cash-Out Refi | 0% | 640 credit score | 5.998% | 6.364% | 0 pts ($0) | $2,645/mo | $87,232 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.015% | 6.166% | 0 pts ($0) | $2,650/mo | $87,458 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,377/mo | $75,208 |
Frequently Asked Questions
What are today's mortgage rates in 01098, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01098, , MA is 6.860% (with an estimated monthly payment of $2,689). Active program rates also include FHA 30-year fixed loans at 5.994% and VA 0%-down fixed loans at 5.991%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01098, , MA?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 01098, , MA have fluctuated between a low of 6.482% and a high of 6.942%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 01098, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $432,023 in 01098, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $86,405 but keeps your monthly payment lower at $2,689/mo (at 6.860% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,121 (3.5% down) but has an estimated payment of $3,015/mo (at 5.994% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $416,902 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01098 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01098 is $806,501. With a typical local home value of $432,023 in , a standard 20%-down mortgage requires a loan size of $345,618. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 01098, , MA impact estimated mortgage payments?
The median home value in 01098, , MA is estimated at $432,023. Buying a typical home here with a standard 20% down payment ($86,405) translates to an estimated starting monthly mortgage payment of $2,689 (principal and interest). Compared to the local area median household income of $90,274 ($7,523/mo), this basic housing payment represents approximately 35.7% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.